Ascom Leasing & Investments Ltd

Ascom Leasing & Investments Ltd

₹ 236 -1.67%
13 Mar - close price
About

Incorporated in 1986, Ascom Leasing & Investments Ltd is in the business of providing loans & advances[1]

Key Points

Business Overview:[1]
ALIL is a Non Systemically Important Non-Deposit taking Non-Banking Financial Company and is in the lending business

  • Market Cap 276 Cr.
  • Current Price 236
  • High / Low 243 / 76.6
  • Stock P/E 53.3
  • Book Value 44.8
  • Dividend Yield 0.00 %
  • ROCE 14.4 %
  • ROE 10.8 %
  • Face Value 10.0

Pros

  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of 4.88% over past five years.
  • Company has a low return on equity of 11.9% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Half Yearly Results

Figures in Rs. Crores

Sep 2019 Mar 2020 Sep 2020 Mar 2021 Sep 2021 Mar 2022 Sep 2022 Mar 2023 Sep 2023 Mar 2024 Sep 2024 Mar 2025 Sep 2025
4.56 5.62 5.26 5.44 6.34 6.11 5.97 6.18 6.25 6.09 6.08 6.84 6.45
Interest 0.31 0.36 0.26 0.19 0.52 0.16 0.19 0.01 0.06 0.14 0.25 0.42 0.32
1.33 1.76 1.61 2.03 2.24 2.88 2.45 2.70 2.73 2.61 2.35 3.00 2.47
Financing Profit 2.92 3.50 3.39 3.22 3.58 3.07 3.33 3.47 3.46 3.34 3.48 3.42 3.66
Financing Margin % 64.04% 62.28% 64.45% 59.19% 56.47% 50.25% 55.78% 56.15% 55.36% 54.84% 57.24% 50.00% 56.74%
-0.00 -0.01 -0.01 -0.00 -0.00 -0.00 -0.00 -0.00 -0.01 -0.01 -0.01 -0.00 -0.04
Depreciation 0.16 0.09 0.12 0.09 0.08 0.10 0.09 0.09 0.07 0.06 0.02 0.06 0.10
Profit before tax 2.76 3.40 3.26 3.13 3.50 2.97 3.24 3.38 3.38 3.27 3.45 3.36 3.52
Tax % 25.00% 45.88% 24.23% 25.88% 24.29% 24.92% 24.38% 25.44% 24.56% 25.99% 24.35% 25.30% 25.00%
2.07 1.84 2.47 2.32 2.65 2.22 2.45 2.51 2.55 2.42 2.60 2.51 2.65
EPS in Rs 2.41 1.57 2.11 1.98 2.26 1.90 2.09 2.14 2.18 2.07 2.22 2.14 2.26
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
0.02 0.02 0.97 3.66 6.24 9.14 10.18 10.70 12.45 12.15 12.33 12.92 13.29
Interest -0.00 -0.00 0.04 0.09 0.18 0.53 0.67 0.45 0.68 0.20 0.21 0.67 0.74
0.02 0.01 0.87 2.81 1.11 2.40 3.09 3.65 5.12 5.16 5.32 5.36 5.47
Financing Profit -0.00 0.01 0.06 0.76 4.95 6.21 6.42 6.60 6.65 6.79 6.80 6.89 7.08
Financing Margin % -0.00% 50.00% 6.19% 20.77% 79.33% 67.94% 63.06% 61.68% 53.41% 55.88% 55.15% 53.33% 53.27%
-0.00 -0.00 -0.00 -0.00 -0.00 -0.89 -0.01 -0.01 -0.00 -0.00 -0.02 -0.01 -0.04
Depreciation -0.00 -0.00 -0.00 0.05 0.05 0.19 0.25 0.21 0.18 0.18 0.14 0.08 0.16
Profit before tax -0.00 0.01 0.06 0.71 4.90 5.13 6.16 6.38 6.47 6.61 6.64 6.80 6.88
Tax % -0.00% 33.33% 32.39% 9.39% 32.75% 25.32% 25.08% 24.57% 25.11% 25.15% 24.85%
-0.00 -0.00 0.04 0.49 4.44 3.45 4.60 4.79 4.87 4.96 4.97 5.11 5.16
EPS in Rs -0.00 -0.00 0.05 0.59 5.16 4.01 3.93 4.09 4.16 4.23 4.24 4.36 4.40
Dividend Payout % -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00%
Compounded Sales Growth
10 Years: 91%
5 Years: 5%
3 Years: 1%
TTM: 9%
Compounded Profit Growth
10 Years: %
5 Years: 2%
3 Years: 2%
TTM: 3%
Stock Price CAGR
10 Years: %
5 Years: 52%
3 Years: -8%
1 Year: 127%
Return on Equity
10 Years: 16%
5 Years: 13%
3 Years: 12%
Last Year: 11%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 0.60 0.60 5.56 5.56 5.70 5.70 7.81 7.81 7.81 11.71 11.71 11.71 11.71
Reserves 0.01 0.01 0.70 1.20 5.05 8.45 17.27 22.06 26.93 27.99 32.95 38.06 40.71
Borrowing -0.00 0.09 0.39 1.15 4.97 10.34 9.59 7.36 3.71 0.38 2.43 7.22 3.74
-0.00 -0.00 -0.00 0.22 0.48 2.56 2.03 2.00 2.31 2.15 2.28 2.72 1.60
Total Liabilities 0.61 0.70 6.65 8.13 16.20 27.05 36.70 39.23 40.76 42.23 49.37 59.71 57.76
-0.00 -0.00 -0.00 0.28 0.26 0.27 0.23 0.18 0.31 0.21 0.15 0.53 0.57
CWIP -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
Investments -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
0.61 0.70 6.65 7.85 15.94 26.78 36.47 39.05 40.45 42.02 49.22 59.18 57.19
Total Assets 0.61 0.70 6.65 8.13 16.20 27.05 36.70 39.23 40.76 42.23 49.37 59.71 57.76

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-0.00 -0.00 -5.42 -0.32 -3.57 3.47 -3.87 -2.09 5.31 1.56 -0.16 0.54
-0.00 -0.00 -0.00 -0.30 -0.01 -0.16 -0.11 -0.06 -0.24 -0.00 -2.60 -0.46
-0.00 -0.00 5.90 0.68 3.35 1.30 5.46 -0.67 -3.81 -3.54 1.89 4.15
Net Cash Flow -0.00 -0.00 0.47 0.06 -0.23 4.61 1.49 -2.81 1.26 -1.98 -0.87 4.24

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % -0.00% -0.00% 1.16% 7.53% 50.71% 32.53% 23.50% 17.43% 15.08% 13.33% 11.83% 10.84%

Insights

In beta
Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Gross Loan Portfolio (Receivables from Financing Activities)
INR Lakhs

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Average Cost of Borrowing
%
Number of Permanent Employees
Number
Number of Branches
Number

Shareholding Pattern

Numbers in percentages

Mar 2020Sep 2020Mar 2021Sep 2021Mar 2022Sep 2022Mar 2023Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025
72.24% 74.03% 73.98% 73.98% 73.98% 73.98% 73.98% 73.98% 73.98% 73.98% 74.85% 74.85%
27.76% 25.97% 26.02% 26.02% 26.02% 26.02% 26.02% 26.02% 26.02% 26.02% 25.15% 25.15%
No. of Shareholders 96424244525080858898101105

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